Search found 1110 matches

by iamlucky13
Thu Jan 17, 2019 7:28 pm
Forum: Investing - Theory, News & General
Topic: Bogle "5% Gold"
Replies: 52
Views: 4514

Re: Bogle "5% Gold"

What does buying gold in the event of hard times have to do with prepping? Do you think Jack Bogle was a prepper, since he advocated 5% of a portfolio be devoted to it? Venezuelans buy food with gold today . They sell their gold for the local currency and then immediately buy the food with the loca...
by iamlucky13
Wed Jan 16, 2019 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: 100% in VTSAX - Is it crazy???
Replies: 70
Views: 6156

Re: 100% in VTSAX - Is it crazy???

You will be exposed to a lot of volatility by excluding or minimizing bonds. The closer you get to retirement, the more potential that volatility has to affect your savings when you need them. Hence why having a glide slope is a very common strategy. OP, Take a look at the performance of VTSAX From ...
by iamlucky13
Wed Jan 16, 2019 8:33 pm
Forum: Personal Consumer Issues
Topic: Washington State Solar Incentives
Replies: 17
Views: 858

Re: Washington State Solar Incentives

How is solar going to work in Washington state? I assume you mean west of the Cascades, or perhaps places like Sequim. But even then it would seem like the shortened winter daylight hours would make it a poor value at almost any cost. Some parts of Eastern Washington have fairly decent production -...
by iamlucky13
Tue Jan 15, 2019 9:46 pm
Forum: Personal Consumer Issues
Topic: End of an era - Boeing 727
Replies: 35
Views: 2391

Re: End of an era - Boeing 727

I've always had an affinity for tri-motors. The Ford is probably my favorite, but the 727 certainly has a place in my heart, too. I never had a chance to ride on one, but a few years back, the Museum of Flight flew the very first one built from their restoration center to the museum itself, and I wa...
by iamlucky13
Tue Jan 15, 2019 9:31 pm
Forum: Personal Consumer Issues
Topic: Washington State Solar Incentives
Replies: 17
Views: 858

Re: Washington State Solar Incentives

A quick sanity check on the installer's claimed energy savings per year looks reasonable. I've seen quotes shared before where the installers have significantly inflated expected production. That payback time is not accounting for the alternative value of that money (eg - paying down debt or investi...
by iamlucky13
Tue Jan 15, 2019 9:04 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 163
Views: 8841

Re: Are You Dumping Netflix?

No change on our part in response to this, although I'm tempted to get rid of it simply because we don't watch much TV. i distinctly remember our inhuman resources department telling me raises are based on the cost of labor not on inflation. this they said to justify not giving raises that year. any...
by iamlucky13
Mon Jan 14, 2019 5:52 pm
Forum: Personal Consumer Issues
Topic: Taking expensive DSLR on kayak?
Replies: 41
Views: 2039

Re: Taking expensive DSLR on kayak?

I'd imagine you'll have an opportunity to reschedule your tour, so I'll weigh in on the original question: Yes, I definitely would. Depending on the expected conditions, I might consider a backup body instead*, but either way, within reason given my ability to afford to replace it, I'm willing to ac...
by iamlucky13
Fri Jan 11, 2019 11:35 am
Forum: Personal Consumer Issues
Topic: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?
Replies: 82
Views: 5509

Re: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?

The kids aren't bigger yet. I see no rush to upgrade, and rooftop boxes are a lot cheaper than owning a larger car. Growing up, we had higher than 100% occupancy of our vehicle (until the mid-90's, if I remember right, our state didn't forbid more occupants than seatbelts, as long as everyone who co...
by iamlucky13
Wed Jan 09, 2019 7:15 pm
Forum: Personal Consumer Issues
Topic: Car Battery
Replies: 48
Views: 3138

Re: Car Battery

Battery tender is the brand most often mentioned as they are easy to find anywhere, but their units are just dumb trickle chargers IIRC. Be careful if you get one with too high a rating you can overcharge your battery . NOCO Genius is a better option as their maintainers are smart and will not over...
by iamlucky13
Wed Jan 09, 2019 12:18 am
Forum: Personal Consumer Issues
Topic: I bought a new iPad on sale...should I have?
Replies: 38
Views: 2535

Re: I bought a new iPad on sale...should I have?

This is really a subjective question we can't answer for you. One of money's purposes is for spending on things that interest you. You will need some of it to spend later, but since it sounds like you now have a good plan for saving for later, you do NOT need permission from Bogleheads to buy a gadg...
by iamlucky13
Tue Jan 08, 2019 11:27 pm
Forum: Personal Consumer Issues
Topic: Car Battery
Replies: 48
Views: 3138

Re: Car Battery

Actually you are best served by connecting the trickle charger while the battery remains connected and in the car. Not only is this easier, but car's systems (primarily your radio) will retain their memory while the battery is maintained at a suitable charge. Is that a good idea with modern, sophis...
by iamlucky13
Tue Jan 08, 2019 10:35 pm
Forum: Investing - Theory, News & General
Topic: Past result is not an indicator for future performance
Replies: 29
Views: 2030

Re: Past result is not an indicator for future performance

Index funds are not immune. In fact, here's a statement from Vanguard shown on the information pages for every one of their index funds, and repeated in all of their prospectuses and annual reports: The performance data shown represent past performance, which is not a guarantee of future results. So...
by iamlucky13
Tue Jan 08, 2019 5:16 pm
Forum: Personal Consumer Issues
Topic: Car Battery
Replies: 48
Views: 3138

Re: Car Battery

FYI, many Hondas, and probably other cars, disable the radio as an anti-theft measure if battery power is lost. With the amount of electronics in newer cars. Changing batteries can involve providing a separate power source to the radio momentarily, or getting a code from Honda to reactivate the radi...
by iamlucky13
Tue Jan 08, 2019 4:17 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 12618

Re: Recommendations for a 9mm handgun

I'm going to echo what has been written several times upthread: I do not recommend simply buying your first firearm based on model recommendations with no other background. I certainly do encourage you to continue your interest in firearms, but want to help you do so responsibly. Like driving, there...
by iamlucky13
Mon Jan 07, 2019 3:41 pm
Forum: Personal Consumer Issues
Topic: 24 inch electric range recommendations
Replies: 11
Views: 483

Re: 24 inch electric range recommendations

The structure is a timber frame and there is a knee brace that falls in the vicinity. I believe 30" overhead clearance requirement is to unprotected combustibles. https://codes.iccsafe.org/content/IRC2015/chapter-19-special-appliances-equipment-and-systems I don't know what qualifies as sufficient ...
by iamlucky13
Mon Jan 07, 2019 3:30 pm
Forum: Personal Consumer Issues
Topic: Soft Button Icon - Current State or Future State ?
Replies: 9
Views: 528

Re: Soft Button Icon - Current State or Future State ?

"How to Dial An Extension on iPhone (Plus, Save Extensions to ... https://www.iphonelife.com/content/how-to-dial-extension-your-iphone Feb 15, 2018 - How to Dial an Extension on iPhone. Open the Phone app. Dial the main number you're calling." But my iPhone doesn't have a dial. What to do? What to ...
by iamlucky13
Mon Jan 07, 2019 1:00 pm
Forum: Personal Consumer Issues
Topic: Soft Button Icon - Current State or Future State ?
Replies: 9
Views: 528

Re: Soft Button Icon - Current State or Future State ?

Soft user interface conventions have been and are going to be an issue for decades. Sorry to say it, but the future state is a confusing mess as I'm sure plenty of new devices will become common place in our lives. It certainly would be far less of an issue if there were not lag. By the way, thread ...
by iamlucky13
Mon Jan 07, 2019 11:29 am
Forum: Personal Consumer Issues
Topic: Who pays for apps?
Replies: 42
Views: 2473

Re: Who pays for apps?

I don't own a smart phone, but think this is an interesting question. These devices often cost $500-$1000, plus an average of around $80/month (per household) for service. The cost is considered justified based on the functionality the devices offer. But additional programs beyond what come pre-inst...
by iamlucky13
Mon Jan 07, 2019 2:04 am
Forum: Personal Consumer Issues
Topic: washer dryer rec
Replies: 22
Views: 1497

Re: washer dryer rec

Not a recommendation for a washer and dryer, but the house I moved into two years ago had two washer/dryer hookups, and I still love being able start two loads at the same time. If you're building right now, I'm guessing the cost of adding a second set of hookups/vents would be minuscule. One of th...
by iamlucky13
Fri Jan 04, 2019 2:18 pm
Forum: Personal Consumer Issues
Topic: Your ideal home size
Replies: 130
Views: 8283

Re: Your ideal home size

One person's rooted is another person's tied down.:) Yep. That and it's converse were part of my point. Although the main point was that there is still a certain amount of personal space that is right even for people not tied down. Yeah, so many homes are poorly designed with lots of wasted space. ...
by iamlucky13
Fri Jan 04, 2019 11:51 am
Forum: Investing - Theory, News & General
Topic: 2019 Roth all at once or over time.
Replies: 19
Views: 1425

Re: 2019 Roth all at once or over time.

You no longer need to have $10,000 to have Admirals shares on most Vanguard funds. This is a recent change you can read about here: https://investornews.vanguard/our-index-funds-changed-investing-forever-now-were-making-them-even-better/ Furthermore, the difference in expenses between Total Bond Adm...
by iamlucky13
Thu Jan 03, 2019 5:42 pm
Forum: Personal Consumer Issues
Topic: Your ideal home size
Replies: 130
Views: 8283

Re: Your ideal home size

Never owned a house and have always personally disdained owning one. I absolutely abhor the thought of siphoning off my life away to maintain stuff. After spending what seems like lifetimes drenched in the vacuity of Beverly Hills, "Hollywood", and Los Angeles, I see right through the "lifestyles o...
by iamlucky13
Wed Jan 02, 2019 5:02 pm
Forum: Personal Consumer Issues
Topic: Your ideal home size
Replies: 130
Views: 8283

Re: Your ideal home size

One more data point to add because it's a curiosity to me to see such different taste than my own: My neighbors recently tore down the existing house on their property and built what I presume was their "ideal." They're a retired couple. 3 bedroom, 3-1/2 bath, 4800 square feet, not counting the arbo...
by iamlucky13
Wed Jan 02, 2019 4:57 pm
Forum: Personal Consumer Issues
Topic: Your ideal home size
Replies: 130
Views: 8283

Re: Your ideal home size

Our current is less than our ideal; 2 adults + 2 kids, and maybe more in the future. 1800 square feet, 3 bed, 1.75 bath It is sufficient, but in part due to an inefficient layout and minimal closet space versus numerous hobbies, we would greatly welcome more room. If I had to take a stab at what I'd...
by iamlucky13
Wed Jan 02, 2019 2:53 pm
Forum: Personal Consumer Issues
Topic: AED for the home? [Automated External Defibrillator]
Replies: 22
Views: 1125

Re: AED for the home?

My sister in-law works for Medtronic and they were selling small portable AEDs to their employees for under a $1000. I got one through her. I taught my wife how to use it in an emergency. That was 10 years ago. I finally gave it to the local high school gym. Ambulances can get to my house in under ...
by iamlucky13
Wed Jan 02, 2019 2:47 pm
Forum: Personal Consumer Issues
Topic: What is the truth - paper towels vs. electric hand dryer?
Replies: 38
Views: 2282

Re: What is the truth - paper towels vs. electric hand dryer?

https://www.health.harvard.edu/blog/the-bacterial-horror-of-the-hot-air-hand-dryer-2018051113823 It’s true. Nasty. Attached article includes link to the source studies. That's rather an exaggeration. Bacteria are out there. Everywhere. Including the paper towel dispenser. Society needs to get a gri...
by iamlucky13
Wed Jan 02, 2019 2:24 pm
Forum: Personal Consumer Issues
Topic: Black licorice fans - suggestions?
Replies: 29
Views: 1440

Re: Black licorice fans - suggestions?

I don't have brand recommendations, but for food items often not available at the supermarket, one of the first places I usually look is Cost Plus World Market. I know they have a modest selection of licorice. After buying -- and consuming -- 3 or 4 bags in quick succession I quit cold turkey. That ...
by iamlucky13
Tue Jan 01, 2019 11:26 am
Forum: Personal Consumer Issues
Topic: Low maintenance yard - new home and HOA
Replies: 27
Views: 2148

Re: Low maintenance yard - new home and HOA

HOA's vary widely in what they enforce and to what degree. I've heard stories ranging everywhere from nobody even knows who to contact when there are conditions approaching actual hazard level, to a member who, after a teenage neighbor lost control on a curve and crashed into their garage, patched i...
by iamlucky13
Thu Dec 27, 2018 8:07 pm
Forum: Investing - Theory, News & General
Topic: Are Index Funds Still Best?
Replies: 22
Views: 1522

Re: Are Index Funds Still Best?

For years, I've wholeheartedly embraced the Bogleheads investment philosophy Rule #6: use index funds when possible. In other words, buy low-cost, passively-managed index funds that seek to match the market, since only 1% of actively-managed funds beat the market over the longterm, and that's befor...
by iamlucky13
Sat Dec 22, 2018 10:45 am
Forum: Investing - Theory, News & General
Topic: When did the musicians on the titanic realize their fate?
Replies: 132
Views: 9751

Re: When did the musicians on the titanic realize their fate?

When the boat is heavily listing to one side, when they realized after all the women and children were on the lifeboats, there was not enough space available for the remaining passengers, when the call came to abandon ship, they went down with the ship. There is a reason why we hold bonds and cash,...
by iamlucky13
Thu Dec 20, 2018 6:37 pm
Forum: Investing - Theory, News & General
Topic: A case against buy and hold index investing
Replies: 39
Views: 4442

Re: A case against buy and hold index investing

Yes, that phrase is true, and sounds profound. It makes me wish I had an equally profound followup . Maybe something like Businesses that do not profit disappear from the market but you do not so index with confidence Burma Shave Your add-on is fitting, because Burma Shave has effectively disappear...
by iamlucky13
Wed Dec 19, 2018 8:32 pm
Forum: Investing - Theory, News & General
Topic: A case against buy and hold index investing
Replies: 39
Views: 4442

Re: A case against buy and hold index investing

Alright, I'll bite. Every now and then I get curious enough about what some internet personality is claiming that I'll watch a video. I've noticed such people usually seem to prefer videos. I assume because the fixed pace of playback discourages reviewing and critically thinking about key points, wh...
by iamlucky13
Tue Dec 18, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Is Liquid Plumber / Draino bad for the pipes?
Replies: 51
Views: 5945

Re: Is Liquid Plumber / Draino bad for the pipes?

Nearly every source says....it's bad for the environment. The blogs say that. The qualified sources do not. The environment impact of typical household use of these is effectively non-existant. Most of these drain cleaner products are primarily bleach and lye, "concentrated" to a combined total of ...
by iamlucky13
Mon Dec 17, 2018 7:38 pm
Forum: Personal Consumer Issues
Topic: Low flow shower head
Replies: 42
Views: 2462

Re: Low flow shower head

Is your goal to save water, to save energy used to heat that water, or to save money? A low flow shower head could help with all of those, but I suspect they are a drop in the bucket ;) A 1.5 gpm showerhead would reduce all three by 40% compared to the standard 2.5 gpm, if you shower for the same a...
by iamlucky13
Mon Dec 17, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: Low flow shower head
Replies: 42
Views: 2462

Re: Low flow shower head

The dryer parts of the West are exactly where agricultural water use is most wasteful (in some cases we spend more to supply water to farms in arid areas than what the food is worth). Sure - in your town (which has no large industrial farms) - residential use might by 80%. But then you might have a...
by iamlucky13
Mon Dec 17, 2018 5:54 pm
Forum: Personal Consumer Issues
Topic: Low flow shower head
Replies: 42
Views: 2462

Re: Low flow shower head

How much water/money will it save you in the long run? Assuming a half-hour shower, you’d save 15 gallons of water (0.5 gpm x 30 minutes). 15 gallons/shower x 365 days = 5,475 gallons saved over the course of a year if you take a 1/2 hour shower every single day. However, most utilities bill per hu...
by iamlucky13
Sun Dec 16, 2018 4:46 pm
Forum: Personal Consumer Issues
Topic: Friend looking at land to build, but will probably have naturally occurring asbestos
Replies: 29
Views: 1979

Re: Friend looking at land to build, but will probably have naturally occurring asbestos

Friend and I were looking at a parcel of land a few weeks ago when a neighbor walked over and said the land will most likely have naturally occurring asbestos. She said another plot of land that sold nearby had it and the owner had to mitigate the problem by bringing in a "a couple feet of soil", s...
by iamlucky13
Thu Dec 13, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: Who else is doing home automation?
Replies: 64
Views: 3708

Re: Who else is doing home automation?

Unless Google paid me quite significantly, there's no way I'd hand over so much personal information to them. I work in tech, I know a thing or two about machine learning and security, and there is no way in hell I'd have a Google Home or Amazon Echo in my home. Because the cost of the service and/...
by iamlucky13
Thu Dec 13, 2018 1:48 am
Forum: Personal Consumer Issues
Topic: How to tell if online watches are legit?
Replies: 15
Views: 1040

Re: How to tell if online watches are legit?

I don't know about watches, but in some product categories, the manufacturers maintain lists on their websites of authorized retailers. That doesn't necessarily mean other retailers are selling fakes (in electronics, for example, "grey market" imports are one example of legitimate products being sol...
by iamlucky13
Thu Dec 13, 2018 12:13 am
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 408
Views: 41676

Re: What types of jobs do Bogleheads have?

Although I didn't think of my question in terms of how it has been answered so far, I am very interested in both comments posted. Feel free to continue to post career progression. Ok. In chronological order: 4-H projects (self-employed p/t) Tractor operator (p/t) Retail customer service (p/t) Telec...
by iamlucky13
Wed Dec 12, 2018 5:18 pm
Forum: Investing - Theory, News & General
Topic: Recession Coming
Replies: 56
Views: 7312

Re: Recession Coming

2 years ago, plenty of people were saying the same thing. And 2 years before that. I'm sure a recession really is coming. They seem just about inevitable. But I don't know when. Even if I take this forecast as accurate, however, what changes? Should I pull money out now? What if it doesn't actually ...
by iamlucky13
Wed Dec 12, 2018 2:49 pm
Forum: Personal Consumer Issues
Topic: Need recommendation for new washing machine
Replies: 45
Views: 2469

Re: Need recommendation for new washing machine

Glad your experience with HE machines has been positive. Suffice to say it is the overwhelming minority of stories I've heard in regards to them. Those of us having good results from high efficiency washers generally aren't bothering to talk about it. Clothes washers are a mundane item these days t...
by iamlucky13
Wed Dec 12, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: Donate to homeless?
Replies: 84
Views: 4093

Re: Donate to homeless?

Is it a good idea to give a couple dollars to such people? Seems quite mean to ignore them. Don't be mean in an active sense, but to ignore people you don't know and have no obligation to is not mean. I prefer to go a little further and courteously acknowledge them. My usual response is a brief smi...
by iamlucky13
Wed Dec 12, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Desktop Computer. All in one or separate? And which one?
Replies: 34
Views: 1981

Re: Desktop Computer. All in one or separate? And which one?

bloom2708 wrote:
Wed Dec 12, 2018 10:31 am
squirm wrote:
Tue Dec 11, 2018 11:12 pm
Just get a decent size laptop.
+1

For max flexibility, just get a 15 or 17" laptop. Only serious gamers need a dedicated desktop these days.
On the other hand, you only need to spend extra for a given performance level in a laptop if you actually need portability.
by iamlucky13
Tue Dec 11, 2018 11:46 pm
Forum: Investing - Theory, News & General
Topic: "The 10 Worst Places To Get Investing Advice"
Replies: 59
Views: 7315

Re: "The 10 Worst Places To Get Investing Advice"

+1, I forgot how Money magazine had me chasing hottest funds for a decade. Now I realized Money is all about ad dollars. I spent some airline miles on a subscription to Money once. The description is apt. It's like the free runners magazines that my wife gets signed up for without asking when she d...
by iamlucky13
Tue Dec 11, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: PC Build Suggestions
Replies: 39
Views: 3046

Re: PC Build Suggestions

Folks that switched to a gaming laptop are you really finding the bang for the buck is just as good? I guess my main holdout is the better longevity of a desktop where I can swap the GPU every couple years to stretch it out.... Processor power states have gotten really flexible in recent generation...
by iamlucky13
Tue Dec 11, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: Electric bill with LED
Replies: 102
Views: 7095

Re: Electric bill with LED

Anyone notice a significant savings going from incandescent or CFL to LED? For about $50 in bulbs I switched all the bulbs in my house to LED. I did it to save $ and help the environment. Just wondering if anyone actually noticed a real savings month to month... $50 switched you completely over to ...
by iamlucky13
Tue Dec 11, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Electric bill with LED
Replies: 102
Views: 7095

Re: Electric bill with LED

Noooo it does not matter "how you heat" An Incandescent light bulb WILL be cheaper to run during heating season due to it's heat production, offsetting whatever heating method you use. Yes but the tradeoff vs. having an LED and using the heating system more makes the difference. I never said it was...
by iamlucky13
Mon Dec 10, 2018 10:44 pm
Forum: Investing - Theory, News & General
Topic: "The 10 Worst Places To Get Investing Advice"
Replies: 59
Views: 7315

Re: "The 10 Worst Places To Get Investing Advice"

travelogue wrote:
Sun Dec 09, 2018 6:15 pm
18. A random dude on YouTube
I trust him for medical advice. Why wouldn't I trust his investing advice?
by iamlucky13
Mon Dec 10, 2018 10:42 pm
Forum: Personal Consumer Issues
Topic: Electric bill with LED
Replies: 102
Views: 7095

Re: Electric bill with LED

Noooo it does not matter "how you heat" An Incandescent light bulb WILL be cheaper to run during heating season due to it's heat production, offsetting whatever heating method you use. It will be cheaper in an indirect sense compared to its summer cost due to offsetting heat cost. But just to clari...